UVE Stock Analysis: Universal Insurance Holdings | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.200m USD | 12M Return: 71.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.50M
EPS Trend: 72.3%
Qual. Beats: 5
Rev. Trend: 95.9%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Universal Insurance Holdings, Inc. (NYSE: UVE) is a U.S.-based integrated insurance holding company that underwrites and distributes personal residential insurance products, including homeowners, renters/tenants, condominium unit owners, and dwelling and fire coverage. Its offerings extend to allied lines, other structures, personal property, liability, and personal articles. Beyond underwriting, the company provides a range of services to its insurance entities, including actuarial consulting, distribution oversight, claims administration, policy administration, and reinsurance negotiation. It also operates Clovered.com, a digital insurance agency, and distributes products through an independent agency network and direct-to-consumer online channels. Founded in 1990 and headquartered in Fort Lauderdale, Florida, the company has operated under its current name since January 2001, having previously been known as Universal Heights, Inc.
As a holding company structure, UVE separates its corporate, service, and insurance subsidiaries-a common arrangement in the property and casualty insurance industry that allows holding companies to allocate capital efficiently, manage regulatory requirements, and centralize shared functions such as underwriting and claims. Personal lines P&C insurers, particularly those with significant homeowners exposure, rely heavily on reinsurance to mitigate catastrophe risk, which is especially relevant given UVEs Florida base and exposure to hurricane-related losses.
- Florida hurricane losses pressure catastrophe reserves and underwriting margins
- Reinsurance treaty renewal costs weigh on combined ratio outlook
- State insurance reforms reduce litigation and assignment-of-benefits abuse
- Clovered.com direct channel expands as carrier sheds low-margin Florida legacy policies
| Net Income: 195.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 3.88 > 1.0 |
| NWC/Revenue: -56.44% < 20% (prev -58.86%; Δ 2.41% < -1%) |
| CFO/TA 0.13 > 3% & CFO 349.5m > Net Income 195.8m |
| Net Debt (-640.3m) to EBITDA (266.4m): -2.40 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.8m) vs 12m ago 0.10% < -2% |
| Gross Margin: 31.88% > 18% (prev 13.60%; Δ 18.28% > 0.5%) |
| Asset Turnover: 58.30% > 50% (prev 57.00%; Δ 1.30% > 0%) |
| Interest Coverage Ratio: 51.94 > 6 (EBIT TTM 259.3m / Interest Expense TTM 4.99m) |
| A: -0.33 (Total Current Assets 1.14b - Total Current Liabilities 2.04b) / Total Assets 2.77b |
| B: 0.29 (Retained Earnings 807.1m / Total Assets 2.77b) |
| C: 0.09 (EBIT TTM 259.3m / Avg Total Assets 2.74b) |
| D: 0.27 (Book Value of Equity 584.7m / Total Liabilities 2.18b) |
| Altman-Z'' = -0.27 = B |
| DSRI: 0.50 (Receivables 277.9m/543.1m, Revenue 1.60b/1.55b) |
| GMI: 0.43 (GM 13.60% / 31.88%) |
| AQI: 1.09 (AQ_t 0.57 / AQ_t-1 0.52) |
| SGI: 1.03 (Revenue 1.60b / 1.55b) |
| TATA: -0.06 (NI 195.8m - CFO 349.5m) / TA 2.77b) |
| Beneish M = -3.89 (Cap -4..+1) = AAA |
As of July 07, 2026, the stock is trading at USD 42.90 with a total of 171,911 shares traded. Over the past week, the price has changed by +4.30%, over one month by +17.31%, over three months by +27.73% and over the past year by +71.48%.
Current recommended Stop Loss: 40.10 (which is 6.5% or 2.1 ATR below the current price).
Universal Insurance Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UVE.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44 | 2.6% |
P/E Trailing = 6.3624
P/E Forward = 9.98
P/S = 0.7491
P/B = 2.053
Revenue TTM = 1.60b USD
EBIT TTM = 259.3m USD
EBITDA TTM = 266.4m USD
Long Term Debt = 100.3m USD (from longTermDebt, last quarter)
Short Term Debt = 101.1m USD (from shortTermDebt, last fiscal year)
Debt = 100.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -640.3m USD (calculated: Debt 100.3m - CCE 740.5m)
Enterprise Value = 560.2m USD (1.20b + Debt 100.3m - CCE 740.5m)
Interest Coverage Ratio = 51.94 (Ebit TTM 259.3m / Interest Expense TTM 4.99m)
EV/FCF = 1.62x (Enterprise Value 560.2m / FCF TTM 344.8m)
FCF Yield = 61.54% (FCF TTM 344.8m / Enterprise Value 560.2m)
FCF Margin = 21.57% (FCF TTM 344.8m / Revenue TTM 1.60b)
Net Margin = 12.25% (Net Income TTM 195.8m / Revenue TTM 1.60b)
Gross Margin = 31.88% ((Revenue TTM 1.60b - Cost of Revenue TTM 1.09b) / Revenue TTM)
Gross Margin QoQ = 41.74% (prev 45.13%)
Tobins Q-Ratio = 0.20 (Enterprise Value 560.2m / Total Assets 2.77b)
Interest Expense / Debt = 4.98% (Interest Expense 4.99m / Debt 100.3m)
Taxrate = 24.49% (63.5m / 259.3m)
NOPAT = 195.8m (EBIT 259.3m * (1 - 24.49%))
Current Ratio = 0.56 (Total Current Assets 1.14b / Total Current Liabilities 2.04b)
Debt / Equity = 0.17 (Debt 100.3m / totalStockholderEquity, last quarter 584.7m)
Debt / EBITDA = -2.40 (Net Debt -640.3m / EBITDA 266.4m)
Debt / FCF = -1.86 (Net Debt -640.3m / FCF TTM 344.8m)
Total Stockholder Equity = 522.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.14% (Net Income 195.8m / Total Assets 2.77b)
RoE = 37.50% (Net Income TTM 195.8m / Total Stockholder Equity 522.2m)
RoCE = 41.66% (EBIT 259.3m / Capital Employed (Equity 522.2m + L.T.Debt 100.3m))
RoIC = 26.10% (NOPAT 195.8m / Invested Capital 750.2m)
WACC = 7.23% (E(1.20b)/V(1.30b) * Re(7.52%) + D(100.3m)/V(1.30b) * Rd(4.98%) * (1-Tc(0.24)))
Discount Rate = 7.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -39.58 | Cagr: -1.03%
[DCF] Terminal Value 77.97% ; FCFF base≈299.9m ; Y1≈343.8m ; Y5≈506.0m
[DCF] Fair Price = 295.7 (EV 7.61b - Net Debt -640.3m = Equity 8.25b / Shares 27.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 72.33 | EPS CAGR: 129.8% | SUE: 0.88 | # QB: 5
Revenue Correlation: 95.93 | Revenue CAGR: 7.67% | SUE: 3.72 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.43 | Chg30d=+0.00% | Revisions=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.01 | Chg30d=+107.14% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=4.75 | Chg30d=+18.75% | Revisions=+25% | GrowthEPS=-23.4% | GrowthRev=-3.7%
EPS next Year (2027-12-31): EPS=4.40 | Chg30d=+10.00% | Revisions=+25% | GrowthEPS=-7.4% | GrowthRev=+1.5%